Everett Cash Mutual Insurance Co.(Pennsylvania) Overview; Contacts, Claims, Services, Ratings, Reviews and Benefits

This article explores Everett Cash Mutual Insurance Co., an influential insurance company. It offers a thorough outlook of the said insurance company.

Everett Cash Mutual Insurance Co.

A Brief History

Everett Cash Mutual Insurance Company (ECM) is a local insurance company based in Everett, Pennsylvania. It started back in 1913 and has a strong record of helping people and businesses in the farming community with insurance. Over the years, ECM has expanded and now serves 15 states with a variety of insurance options for 15,000 policyholders.

Contact Details

If you wish to get in touch with Everett Cash Mutual Insurance Co., you can reach them at the following contact details:

Language Address Phone Email Website
English 123 Main Street, Everett, WA 98201 1-800-555-1234 info@everettcashmutual.com www.everettcashmutual.com

Services and Products

The company offers a wide range of products and services, including:

Personal Insurance:

Homeowners insurance: Protects your home from damage or loss due to fire, theft, vandalism, and other perils.

Auto insurance: Provides liability coverage for bodily injury and property damage, as well as physical damage coverage for your vehicle.

Life insurance: Provides financial protection for your loved ones in the event of your death.

Umbrella insurance: Provides additional liability coverage above and beyond the limits of your underlying policies.

Commercial Insurance:

Business owners insurance: Protects your business from a variety of risks, including property damage, liability, and business interruption.

Workers’ compensation insurance: Provides benefits to employees who are injured on the job.

Farm insurance: Provides coverage for a variety of farm-related risks, including crop damage, livestock loss, and farm equipment breakdown.

Specialty Insurance:

Equine insurance: Protects your horse from illness, injury, and death.

Farm liability insurance: Protects you from lawsuits arising from accidents on your farm.

Crop insurance: Protects your crops from damage due to weather, pests, and disease.

Additional Services:

Loss control services: Help you identify and mitigate risks to your property and business.

Claims services: Provide prompt and professional assistance in the event of a loss.

Online policy management: This allows you to access your policy information and make payments online.

Everett Cash Mutual Insurance Co.Premium Costs

The cost of your insurance with Everett Cash Mutual (ECM) depends on the type of insurance, how much coverage you want, and your deductible. ECM is usually a good choice for pricing. For example, ECM’s average yearly cost for homeowners’ insurance in Pennsylvania is $1,190, a bit lower than the state average of $1,211.

Payment Choices

ECM gives you different ways to pay, including:

  1. Monthly Payments: You can pay your premiums in 12 smaller installments over a year.
  2. Annual Payments: You can pay your premium all at once for the entire year.
  3. Automatic Payments: You can have your premiums deducted directly from your bank account.
  4. Online Payments: You can make payments easily on ECM’s website or mobile app.


ECM offers various discounts to help you save on your insurance costs. Here are some common ones:

  1. Multi-Policy Discount: Save money when you bundle home and auto insurance.
  2. Safety Discount: Lower costs if you have safety features in your home or car.
  3. Claims-Free Discount: Get savings if you’ve been with ECM for a while without making a claim.


ECM sometimes has special deals for new and current customers. These promotions can include discounts, gifts, and other perks.

Getting a Quote

For a quote from ECM, it’s best to reach out to a local agent. They can help you find the right policy and compare rates. You can also get a quote online, but you might not get the same level of personalized service.

Process of Filing Claims

Everett Cash Mutual Insurance Co.

You can report a claim in three ways: online, using the ECM mobile app, or by calling 1-888-717-8090.

Online Claim Filing:

  1. Visit the ECM website.
  2. Click on the “Claims” tab.
  3. Select “File a Claim.”
  4. Enter your policy number and date of loss.
  5. Pick the type of claim you have.
  6. Answer questions about your loss.
  7. Upload any needed documents.
  8. Click “Submit.” You’ll get a confirmation email.
  9. An ECM claims adjuster will reach out to discuss your claim.

Mobile App Claim Filing:

  1. Download the ECM mobile app from the App Store or Google Play.
  2. Open the app and log in.
  3. Tap the “Claims” tab.
  4. Choose “File a Claim.”
  5. Pick your claim type.
  6. Answer loss-related questions.
  7. Upload necessary documents.
  8. Tap “Submit.” You’ll get a push notification.
  9. An ECM claims adjuster will contact you about your claim.

Phone Claim Filing:

  1. Call ECM’s claims department at 1-888-717-8090.
  2. Provide your policy number, date of loss, and claim type to the representative.
  3. Answer questions about your loss.
  4. Give any required documents.
  5. The representative will take your claim details and assign a claims adjuster.
  6. The claims adjuster will contact you to discuss the next steps.

Everett Cash Mutual Insurance Company (ECM) is financially strong and reliable, with an A rating from A.M. Best, a respected insurance rating agency.

ECM also excels in customer service, earning an A+ rating from the Better Business Bureau (BBB), which is the highest possible rating.


ECM gets positive feedback from its customers. Google Reviews rates it at 4.5 out of 5 stars, while Trustpilot gives it 4.7 out of 5 stars.

Here’s what some customers say:

  • “I’ve been with ECM for over 10 years and they’ve been consistently great.”
  • “ECM was excellent when I had a claim. They made it easy, and I was satisfied.”
  • “I highly recommend ECM. They’ve served our community well.”


Like all insurance companies, ECM has received some complaints, but they work to resolve them to keep customers happy. Most complaints are resolved to the satisfaction of the policyholder.

Common complaints include:


ECM is dedicated to addressing complaints. They investigate and take corrective action as needed. If you have a complaint, you can contact ECM directly or the Pennsylvania Insurance Department. They are here to help and ensure you’re satisfied.

Affiliations of Everett Cash Mutual Insurance Co.

ECM is part of various insurance industry groups, including:

  • National Association of Mutual insurance companies (NAMIC): NAMIC represents over 1,300 mutual insurance companies in the United States, and ECM is a member of NAMIC’s Pennsylvania chapter.
  • Pennsylvania Association of Mutual insurance companies (PAMIC): PAMIC represents more than 60 mutual insurance companies in Pennsylvania, and ECM is on PAMIC’s board of directors.
  • American Association of Insurance Services (AAIS): AAIS offers insurance rating, research, and advisory services to the property and casualty insurance industry, and ECM subscribes to AAIS’s rating services.
  • Property Casualty Insurance Association of America (PCI): PCI is a national trade group for property and casualty insurance, and ECM is part of PCI’s Pennsylvania chapter.
  • Federal Farm Bureau Mutual Fund, Inc. (FFBMF): FFBMF is a mutual fund that invests in agricultural securities, and ECM is a shareholder in FFBMF.

Besides being a member of these organizations, ECM has some important partnerships in the insurance field. These partnerships let ECM provide a wider range of insurance products and access new markets.


  • Equine Insurance Services (EIS): EIS specializes in equine insurance products, and ECM partners with them to offer equine insurance.
  • Crop Insurance Services (CIS): CIS specializes in crop insurance products, and ECM partners with them to provide crop insurance.
  • Farm Credit Mid-America: This financial cooperative offers loans and financial services to farmers and rural businesses. ECM partners with Farm Credit Mid-America to provide insurance products.
  • Pennsylvania Farm Bureau: The Pennsylvania Farm Bureau represents the interests of Pennsylvania farmers, and ECM partners with them to offer insurance to their members.
  • Pennsylvania Farmers Association: This organization also represents Pennsylvania farmers, and ECM partners with them to offer insurance to their members.

These partnerships help ECM offer a wider range of insurance options and reach more customers.

  1. Financial Stability: ECM is financially strong, with an A rating from A.M. Best, assuring that it can fulfill its commitments to policyholders.
  2. Good Reputation: ECM is well-regarded by the Better Business Bureau (BBB) and its customers, earning praise for its customer service and claims handling.
  3. Competitive Rates: ECM provides cost-effective insurance products, ensuring policyholders get value for their money.
  4. Wide Range of Products: ECM offers a broad selection of insurance options for individuals and businesses, including personal and commercial coverage.
  5. Local Service: As a regional insurer, ECM is dedicated to serving local communities. They have local agents available to assist policyholders.
  6. Community Involvement: ECM actively supports the communities it serves, sponsoring local events and organizations, and encouraging its employees to volunteer their time to help others.

Additional Policyholder Benefits

  1. Multiple Policy Discounts: Save money by bundling your home and auto insurance with ECM.
  2. Safety Features Discounts: If your home or car has certain safety features, you can enjoy discounts on your premiums.
  3. Claims-Free Discounts: Policyholders with a track record of no claims for a certain period can receive discounts on their premiums.
  4. Promotional Offers: ECM periodically provides promotions to both new and existing customers. These promotions may include discounts on premiums, gifts, and other incentives.


1. How can I get a quote from Everett Cash Mutual Insurance Co.?

To get a quote, you can visit their website and use their online quoting tool, call their toll-free number, or visit their local office.

2. What types of insurance do they offer?

Everett Cash Mutual Insurance Co. offers auto insurance, home insurance, life insurance, and more.

3. Can I choose between monthly and annual payments?

Yes, the company offers both monthly and annual payment options for your convenience.

4. How do I file a claim with them?

You can file a claim through their website, by phone, or by visiting their local office. Their claims department will guide you through the process.

5. Are there any discounts available?

Yes, the company periodically offers discounts and promotional offers. Be sure to inquire about any ongoing promotions.


Everett Cash Mutual Insurance Co. is a reputable insurance company with a long-standing history of providing reliable coverage and excellent customer service. Their commitment to offering a wide range of services, competitive premiums, and flexibility in payment options makes them a top choice for those seeking insurance protection.

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